EXHIBIT 3(a)
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                                  STATE OF DELAWARE
                               CERTIFICATE OF AMENDMENT
                           OF CERTIFICATE OF INCORPORATION
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TCF Financial Corporation, a corporation organized and existing under and by
virtue of the General Corporation Law of the State of Delaware.

DOES HEREBY CERTIFY:

FIRST: That at a meeting of the Board of directors of TCF Financial Corporation
resolutions were duly adopted setting forth a proposed amendment of the
Certificate of Incorporation of said Corporation, declaring said amendment to be
advisable and directing that the amendment proposed be considered at the next
annual meeting.  The resolution setting forth the proposed amendment is as
follows:

RESOLVED, that the Certificate of Incorporation of this corporation be amended
by changing the Article thereof numbered "4" (Section A) so that, as amended,
said Article 4.A shall be and read as follows:

A. Authorized Shares

The total number of shares of all classes of stock which the Corporation shall
have the authority to issue is one hundred seventy million (170,000,000) shares,
$.01 par value, divided into two classes of which one hundred and forty million
(140,000,000) shares shall be Common Stock (hereinafter the "Common Stock") and
thirty million (30,000,000) shares shall be Preferred Stock (hereinafter the
"Preferred Stock"). The number of authorized shares of Preferred Stock may be
increased or decreased (but not below the number of shares thereof then
outstanding) by the affirmative vote of the holders of a majority of the stock
of the Corporation entitled to vote without a separate vote of the holders of
Preferred Stock as a class.

SECOND:  That thereafter, pursuant to resolution of its Board of Directors, at
an annual meeting of the stockholders of said corporation duly called and held
upon notice in accordance with Section 222 of the General Corporation Law of the
State of Delaware, the necessary number of shares as required by statute were
voted in favor of the amendment.

THIRD:  That said amendment was duly adopted in accordance with the provisions
of Section 242 of the General Corporation Law of the State of Delaware.

FOURTH:  That the capital of said corporation shall not be reduced under or by
reason of said amendment.

IN WITNESS WHEREOF, said TCF Financial Corporation has caused this certificate



to be signed by Gregory J. Pulles, an Authorized Officer this 5 day of June,
1997.

                              BY: /s/ Gregory J. Pulles
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                              TITLE OF OFFICER: Secretary
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